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How to Apply for the Discover it Cash Back

Requirements and a step-by-step walkthrough.

Requirements

• At least 18 years old (19 in some states) with a valid SSN or ITIN
• U.S. residency with a physical U.S. address and a U.S. bank account
• Good-to-excellent credit is recommended

Step by step

1. Open the official Discover it Cash Back page and choose Apply (the application may continue on Capital One, which now owns Discover).
2. Enter your personal and income details and submit the application.
3. If approved, activate each quarter's 5% bonus categories in your account.
4. Set up autopay and track the quarterly $1,500 category cap.

Go to the official application →

FAQ

How does Cashback Match work?

At the end of your first year, Discover automatically matches all the cash back you earned, dollar for dollar, with no cap and no minimum spend requirement.

Do I have to activate the 5% categories?

Yes. The rotating 5% categories require manual activation each quarter and apply to up to $1,500 in combined purchases, after which they earn 1%.

Advertiser disclosure: this page is supported by advertising and is for information only. It is not the issuer and does not process applications. Confirm current terms on the issuer's official site.